LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.

Our office will be closed on the following dates:

  • November 21, 2018: All locations close at 4:00pm
  • November 22-23, 2018: Thanksgiving
  • December 24-25, 2018: Christmas Eve and Christmas Day
  • January 1, 2019: New Years Day

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

Are You an Unsafe Driver?

Posted: November 15, 2018

Driving on America’s roadways today is a dangerous undertaking. The National Highway Traffic Safety Administration (NHTSA) reports that the U.S. saw 37,461 traffic fatalities in 2016, many of which were caused by driver error. Many people who consider themselves to be safe, dependable drivers actually have dangerous driving habits. Whether you’ve been driving for days or decades, avoiding the following common driving behaviors can help... Read Article

Your Stress-Free Guide to Thanksgiving Travel

Posted: November 12, 2018

Thanksgiving is one of the busiest holidays for road trips. Whether you’re driving over the river or through the woods this holiday season, here’s what to know to safely (and sanely) arrive at your destination. BEFORE THE DRIVE Get your car in gear. Now is the time to make sure you’re on schedule with oil changes, wheel alignments and any other services your car manufacturer recommends.... Read Article

What Determines the Price of My Auto Insurance?

Posted: November 12, 2018

Maybe you’ve been there before. Something changed in your life – you bought a new car, moved into a new neighborhood or started a new job...then, one day, you notice what you pay for auto insurance changes. Why does that happen? Ultimately, what ends up on your insurance bill depends largely on both what you drive and how you drive… as well as other things... Read Article

What Is The Best Firewood To Use?

Posted: November 9, 2018

Nothing beats the cozy feeling of a warm, crackling fire. Whether you light up your fireplace all season long or just for special occasions… burning the right wood makes a big difference. Check out this list of best firewood tips before you stock up for the winter.What makes good firewood? Choose hardwood: This type of wood is denser and burns more efficiently with less smoke.... Read Article